Stephanie Plum desperately needs money, so she tries to track down a high bond FTA named Geoffrey Cubbin. Cubbin disappeared from the hospital without a trace. She also has a few lower bond FTAs like Melvin Barrel and Brody Logan. Brody Logan put up a Hawaiian Tiki as his collateral. When he refuses to rebond and runs, Stephanie takes the Tiki into custody. But Vinnie doesn't want the Tiki anywhere near his office, so Stephanie ends up carting it around with her.
Cubbins embezzled money from nursing home residents. Grandma Mazur takes it on herself to help snoop for information. Things she overhears prove crucial to the case.
Geoffrey's wife, Susan, is convinced that he's holed up with nurse Norma Krueger at her home. She tails Krueger and finds that the woman goes to a clinic as well as to work at the hospital. She eventually breaks in, but doesn't find any trace of her husband.
Lula, Stephanie and Briggs check out the clinic but it seems deserted except for an albino man who attacked Stephanie and Lula at the Cubbins home.
Ranger asks Stephanie to help him provide security at a friend's wedding. Ranger and Kinsey were special forces together. They both got out at about the same time, though the rest of their unit chose to make it their career. Someone has sent both Ranger and Kinsey threatening notes with a code used by their special forces unit. Their first event is a black tie dinner where someone attempts to poison Ranger and Kinsey. Stephanie gets poisoned instead because she and Ranger switched seats at the table due to an overzealous senior citizen next to Stephanie.
In order to provide additional security, Stephanie is conscripted to be in the wedding party. This makes her a target also. She begins receiving threatening notes and her apartment is firebombed while Morelli is there. Morelli throws it back out the window and destroys his own car.
A former special forces member, presumed dead because his foot was blown off in the attack, gains access to Stephanie's apartment. He burns her hair as part of a ritual of fire being cleansing. Logan interrupts this torture. When Carr insults Tiki, Logan attacks Carr. Stephanie is able to dislodge Carr's prosthetic foot from his body. Carr drops a grenade. Stephanie and Logan take refuge in the kitchen and Orin dies. A grateful Stephanie arranges a ticket to Hawaii for Logan so that he can return the Tiki, which he smuggled out, to its rightful place.
The wedding must go on so Stephanie has to wear a hideous pink dress, though by the time the seamstress alters it, most people are looking at her chest, not the rest of the dress. The couple decides to elope at the last minute and Stephanie is spared.
Mrs. Cubbin finds a gold bar in her yard. She begins searching for a landscaping blueprint her husband would work on from time to time. She finds it in his office and digs up all the gold.
Grandma Mazur realizes that Cubbin had to have disappeared earlier than what his night nurse reported when she figures out that the nursing home residents who went to see Cubbin stopped at a diner that closes at 1 A.M. The residents hadn't seen Cubbin so he had to have disappeared before 1 A.M. not between 2 and 6 A.M. as reported.
This causes Stephanie, Morelli and Briggs to take another look at the clinic. They put together the pieces to find an organ harvesting operation. The albino man and the building owner surprise them. Morelli is shot and he and Briggs are put into an industrial freezer. Stephanie is taken hostage and driven, along with two frozen bodies, to a cemetery. The plan is to shove her into an open grave with the bodies, shoot her, and then bury them all. Ranger finds her with the aid of a gadget in her watch and kills the two men before the albino can shoot Stephanie. Other Rangeman employees free Morelli and Briggs and get them to the hospital.
Stephanie thinks she's found Cubbin, but it turns out neither of the bodies are Cubbin. Stephanie and Lula go to the cemetery and discover several sites of freshly disturbed ground. Since neither wants to dig up bodies, they hire the resident grave robber to dig up the sites for them. He finds another body in a black body bag with hair the right color for it to be Cubbins. Stephanie loads the body bag into the trunk of her car with their help. For their trouble, she lets them keep the jewelry they found on Cubbins's body as well as anything else they find plus gives them $20. She then takes the body to the police station to get a receipt so that Vinnie is not out the bond.